My Story
I wasn’t born a mortgage expert.
When my sister and I bought our first home during our senior year of college, the world of financing felt overwhelming and unfamiliar. We navigated the closing process with uncertainty, often unsure whether we were making the right decisions.
Over time, our involvement in real estate investing deepened. With each transaction came greater clarity and confidence. We experienced both sides of the industry—professionals who simply sought a signature, and those who took the time to educate and genuinely care about our long-term success.
Looking back, one lesson stands out: without the right guidance and knowledge, it’s easy to accept a loan that costs far more than it should.
Why Chose KKSU Mortgage Team?
Having gained professional expertise and real-world experience, I decided to build our own loan team—one grounded in transparency, education, and genuine client advocacy. Our mission is simple: to empower buyers with clear information, thoughtful guidance, and financing solutions that truly serve their long-term goals.
We hope to help:
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First-time homebuyers unfamiliar with the loan process
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Homeowners unsure whether to refinance or lower interest rates
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Investors who want to invest in real estate but are worried about cash flow and risks
Through clear and transparent explanations, customers can truly understand:
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Differences between different loan schemes
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What do interest rates really have behind them?
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Which option is the most cost-effective and reassuring in the long run?
We believe that confident decisions come from genuine understanding.
You can rest assured about our capabilities!
KKSU Mortgage Team is powered by VA Wholesale Mortgage.
A licensed and professional mortgage brokerage firm.
Initially, we primarily served clients in Virginia (VA).
Following the merger and integration with The Bank of Glen Burnie, we are now able to serve customers across all states
(except AL, IL, MA, NY, NJ, OH), offering:
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Home loan
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Rate and Terms
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Refinance
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Investment property loans
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HELOC
The Bank of Glen Burnie is a community bank with over 70 years of history and a strong reputation.
We always adhere to the "customer-centric" philosophy and are committed to providing honest, professional financial services that are tailored to local needs.
Our Goal
We hope that when you think about mortgages, you don't feel nervous or uneasy, but rather feel:
"Someone will be on my side and explain each option to me clearly."
This is what KKSU Mortgage Team wants to do for you.
Fred Levin
Our Team Lead has over 30 years of professional lending experience and is known for his outstanding performance, integrity, and commitment to helping clients achieve their financial and home-buying goals.
Kai Su
I am passionate about serving clients across the United States with their mortgage needs—listening carefully, creating customized strategies, and guiding them through every major financial decision with confidence and clarity.
In my professional life, I am a diligent, reliable, and trustworthy mortgage broker. Outside of work, I am a mother chasing after her children and encouraging them to learn Chinese. While I move between different roles each day, my core values remain the same: to treat every client and every family with responsibility, patience, and genuine care.
Team Lead
